AML CONSTRUCT
ActiveSummary
AML CONSTRUCT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €19k. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 66% of 7500 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability93▲+50
Solvency84=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.43 against 2.32 in 2024; short-term debt: 41% and cash: 48.5% of total assets), and 41% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
59%
Return on assets
24.8%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
36 d early
2023
21 d early
2022
9 d late
2021
31 d late
2020
31 d late
2019
35 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€46k▲ 72.3%
2024 · €26k
2018: €20k
2019: €19k▼ -7.0% vs 2018lowest in 8 years
2020: €23k▲ +22.5% vs 2019
2021: €27k▲ +13.8% vs 2020
2022: €36k▲ +33.9% vs 2021
2023: €27k▼ -22.9% vs 2022
2024: €26k▼ -3.4% vs 2023
2025: €46k▲ +72.3% vs 2024highest in 8 years
2018 → 2025
Total assets
€77k▲ 71.6%
2024 · €45k
2018: €67k
2019: €52k▼ -22.3% vs 2018
2020: €72k▲ +38.8% vs 2019
2021: €61k▼ -14.9% vs 2020
2022: €70k▲ +13.5% vs 2021
2023: €55k▼ -21.5% vs 2022
2024: €45k▼ -17.4% vs 2023lowest in 8 years
2025: €77k▲ +71.6% vs 2024highest in 8 years
2018 → 2025
Net result
€19k
2024 · €-929
2018: €13k
2019: €-1k▼ -111% vs 2018
2020: €4k▲ +400% vs 2019
2021: €10k▲ +142% vs 2020
2022: €17k▲ +64.0% vs 2021
2023: €-8k▼ -148% vs 2022lowest in 8 years
2024: €-929▲ +88.6% vs 2023
2025: €19k▲ +2163% vs 2024highest in 8 years
2018 → 2025
Working capital
€46k▲ 85.1%
2024 · €25k
2018: €18k
2019: €8k▼ -56.0% vs 2018lowest in 8 years
2020: €20k▲ +140% vs 2019
2021: €14k▼ -30.7% vs 2020
2022: €27k▲ +98.6% vs 2021
2023: €23k▼ -14.6% vs 2022
2024: €25k▲ +7.3% vs 2023
2025: €46k▲ +85.1% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€36k▲ 33.9%€27k▼ 22.9%€26k▼ 3.4%€46k▲ 72.3%
2021: €27k
2022: €36k▲ +33.9% vs 2021
2023: €27k▼ -22.9% vs 2022
2024: €26k▼ -3.4% vs 2023lowest in 5 years
2025: €46k▲ +72.3% vs 2024highest in 5 years
Operating result€14k-€25k▲ 76.9%€-7k€941€33k▲ 3,421%
2021: €14k
2022: €25k▲ +76.9% vs 2021
2023: €-7k▼ -128% vs 2022lowest in 5 years
2024: €941▲ +114% vs 2023
2025: €33k▲ +3421% vs 2024highest in 5 years
Net result€10k-€17k▲ 64.0%€-8k€-929▲ 88.6%€19k
2021: €10k
2022: €17k▲ +64.0% vs 2021
2023: €-8k▼ -148% vs 2022lowest in 5 years
2024: €-929▲ +88.6% vs 2023
2025: €19k▲ +2163% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3,421% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets
€115 ▼ 93.9%
Current assets
€77k ▲ 78.8%
Equity and liabilities €77k
Equity
€46k ▲ 72.3%
Debt
€32k ▲ 70.5%
Debt's share of the balance-sheet total falls from 41.3% to 41.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€35k▲
2024 · €6k
Cash flow
€21k▲
2024 · €4k
Current ratio
2.43▲
2024 · 2.32
Quick ratio
2.29▲
2024 · 2.11
Debt to equity
0.70▼
2024 · 0.70
ROE
42.0%▲
2024 · -3.5%
ROA
24.8%▲
2024 · -2.1%
Interest coverage
5.19▲
2024 · 3.24
Debt ≤ 1 year
€32k▲
2024 · €19k
Income taxes
€8k▲
2024 · €142
Staff costs
€261k▲
2024 · €147k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€45k€77k▲
Fixed assets21/28€2k€115▼
Tangible fixed assets22/27€2k€0▼
Furniture and vehicles24€2k€0▼
Financial fixed assets28€115€115=
Current assets29/58€43k€77k▲
Stocks and contracts in progress3€4k€5k▲
Stocks30/36€4k€5k▲
Amounts receivable within one year40/41€15k€30k▲
Trade receivables40€13k€13k▲
Other amounts receivable41€3k€17k▲
Cash at bank and in hand54/58€14k€38k▲
Deferred charges and accrued income490/1€10k€5k▼
Equity and liabilities
Total equity and liabilities10/49€45k€77k▲
Equity10/15€26k€46k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€18k€38k▲
Amounts payable17/49€19k€32k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€19k€32k▲
Current portion of amounts payable after more than one year42€2k€0▼
Financial debts43€1k€2k▲
Other loans439€1k€2k▲
Trade debts44€6k€9k▲
Suppliers440/4€6k€9k▲
Taxes, remuneration and social security45€0€21k▲
Taxes450/3€0-
Remuneration and social security454/9€0€21k▲
Other amounts payable47/48€9k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€147k€261k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€154k€297k▲
Operating profit (loss)9901€941€33k▲
Financial income75/76B€3€283▲
Recurring financial income75€3€283▲
Financial charges65/66B€2k€7k▲
Recurring financial charges65€2k€7k▲
Profit (loss) for the period before taxes9903€-786€27k▲
Income taxes67/77€142€8k▲
Profit (loss) for the period9904€-929€19k▲
Profit (loss) for the period to be appropriated9905€-929€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€38k▲
Profit (loss) brought forward from the previous period14P€19k€18k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €182k | €224k | €208k | €147k | €261k | ▲ 77.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €8k | €8k | €5k | €2k | ▼ 61.9% |
| Other operating charges640/8 | €2k | €1k | €1k | €1k | €1k | ▼ 6.0% |
| Gross operating margin9900 | €205k | €259k | €211k | €154k | €297k | ▲ 93.1% |
| Operating profit (loss)9901 | €14k | €25k | €-7k | €941 | €33k | ▲ 3,421% |
| Financial income75/76B | €0 | €86 | €3 | €3 | €283 | ▲ 8,037% |
| Recurring financial income75 | €0 | €86 | €3 | €3 | €283 | ▲ 8,037% |
| Financial charges65/66B | €1k | €1k | €1k | €2k | €7k | ▲ 288% |
| Recurring financial charges65 | €1k | €1k | €1k | €2k | €7k | ▲ 288% |
| Profit (loss) for the period before taxes9903 | €13k | €24k | €-8k | €-786 | €27k | ▲ 3,494% |
| Income taxes67/77 | €3k | €7k | €123 | €142 | €8k | ▲ 5,195% |
| Profit (loss) for the period9904 | €10k | €17k | €-8k | €-929 | €19k | ▲ 2,163% |
| Profit (loss) for the period to be appropriated9905 | €10k | €17k | €-8k | €-929 | €19k | ▲ 2,163% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €61k | €70k | €55k | €45k | €77k | ▲ 71.6% |
| Fixed assets21/28 | €23k | €15k | €7k | €2k | €115 | ▼ 93.9% |
| Tangible fixed assets22/27 | €23k | €15k | €6k | €2k | €0 | ▼ 100% |
| Furniture and vehicles24 | €23k | €15k | €6k | €2k | €0 | ▼ 100% |
| Financial fixed assets28 | €115 | €115 | €115 | €115 | €115 | = |
| Current assets29/58 | €38k | €55k | €48k | €43k | €77k | ▲ 78.8% |
| Stocks and contracts in progress3 | - | - | - | €4k | €5k | ▲ 12.5% |
| Stocks30/36 | - | - | - | €4k | €5k | ▲ 12.5% |
| Amounts receivable within one year40/41 | €14k | €25k | €27k | €15k | €30k | ▲ 95.3% |
| Trade receivables40 | €7k | €23k | €19k | €13k | €13k | ▲ 5.4% |
| Other amounts receivable41 | €8k | €2k | €8k | €3k | €17k | ▲ 486% |
| Cash at bank and in hand54/58 | €19k | €27k | €15k | €14k | €38k | ▲ 169% |
| Deferred charges and accrued income490/1 | €5k | €2k | €5k | €10k | €5k | ▼ 47.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €61k | €70k | €55k | €45k | €77k | ▲ 71.6% |
| Equity10/15 | €27k | €36k | €27k | €26k | €46k | ▲ 72.3% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €0 | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €0 | - | - |
| Distributable reserves133 | - | - | - | €2k | €2k | = |
| Profit (loss) carried forward14 | €19k | €28k | €19k | €18k | €38k | ▲ 104% |
| Amounts payable17/49 | €35k | €34k | €27k | €19k | €32k | ▲ 70.5% |
| Amounts payable after more than one year17 | €10k | €6k | €2k | €0 | - | - |
| Financial debts170/4 | €10k | €6k | €2k | €0 | - | - |
| Amounts payable within one year42/48 | €25k | €28k | €25k | €19k | €32k | ▲ 70.5% |
| Current portion of amounts payable after more than one year42 | €4k | €4k | €4k | €2k | €0 | ▼ 100% |
| Financial debts43 | €2k | €2k | €2k | €1k | €2k | ▲ 13.4% |
| Credit institutions430/8 | €2k | €2k | €2k | - | - | - |
| Other loans439 | - | - | - | €1k | €2k | ▲ 13.4% |
| Trade debts44 | €3k | €6k | €15k | €6k | €9k | ▲ 48.9% |
| Suppliers440/4 | €3k | €6k | €7k | €6k | €9k | ▲ 48.9% |
| Bills of exchange payable441 | - | - | €8k | - | - | - |
| Taxes, remuneration and social security45 | €7k | €5k | €3k | €0 | €21k | - |
| Taxes450/3 | - | €5k | €2k | €0 | - | - |
| Remuneration and social security454/9 | €7k | - | €722 | €0 | €21k | - |
| Other amounts payable47/48 | €9k | €11k | €2k | €9k | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10k | €17k | €-8k | €-929 | €19k | ▲ 2,163% |
| + Depreciation and write-downs630 | €8k | €8k | €8k | €5k | €2k | ▼ 61.9% |
| Operating cash flow (approximation) | €18k | €25k | €177 | €4k | €21k | ▲ 459% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €9k | €-12k | €-1k | €24k | ▲ 1,864% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €19k
Net result €19k after 2 loss-making years.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Charleroi · 2 establishment units since 2012
Ground area
2,791 m²
Building footprint
189 m²
Volume, LiDAR
1,017 m³
2 parcels, Wallonia · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
AML CONSTRUCT
since 20122.208.788.582
AML CONSTRUCT
since 20252.389.210.364
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52342B0305/00Z000 | Wallonia | 2,667 m² | 1 · 142 m² | 5.8 m · 1 fl. |
| 52028C0019/00A005 | Wallonia | 124 m² | 1 · 46 m² | 11.6 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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LUXIMO CONSTRUCT
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LAGROU
BE 0451.034.459
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Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 13,012 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-04-2012
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43910Bricklaying and masonry work
41003General construction of other non-residential buildings
43110Demolition
43230Insulation installation
43331Floor and wall tiling
Scores and ratios are computed by Checked and are not a credit decision.